CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Cash flows from operating activities:
Net income	$ 4,388	$ 4,430
Adjustments to reconcile net income to net cash provided by operating activities:
Amortization of deferred acquisition costs	10,320	10,678
Acquisition costs deferred	(11,205)	(10,150)
Realized investment gains, net	(4,857)	(1,571)
Gain on purchase of debt securities	0	(750)
(Decrease) increase in insurance reserves and policyholder funds	(749)	1,721
Compensation expense related to share awards	365	584
Depreciation and amortization	1,117	932
Deferred income tax expense	304	102
Decrease (increase) in receivables, net	1,329	(1,419)
Increase (decrease) in other liabilities	1,442	(47)
Other, net	(245)	(57)
Net cash provided by operating activities	2,209	4,453
Cash flows from investing activities:
Proceeds from investments sold	84,873	75,441
Proceeds from investments matured, called or redeemed	5,924	1,916
Investments purchased	(91,676)	(82,836)
Additions to property and equipment	(322)	(4,127)
Net cash used in investing activities	(1,201)	(9,606)
Cash flows from financing activities:
Payment for debt securities	0	(6,750)
Redemption of Series D preferred stock	0	(1,000)
Payment of dividends on Series D Preferred Stock	(399)	(471)
Payment of dividends on common stock	(412)	(834)
Proceeds from shares issued under stock plans	47	84
Purchase of shares for treasury	(997)	(2,603)
Net cash used in financing activities	(1,761)	(11,574)
Net decrease in cash	(753)	(16,727)
Cash and cash equivalents at beginning of year	16,375	33,102
Cash and cash equivalents at end of year	15,622	16,375
Supplemental cash flow information:
Cash paid for interest	1,424	1,649
Cash paid for income taxes	$ 1,465	$ 445